Child Rearing Cost Simulator
Stress-test salary, savings, and category-wise child costs across multiple children until age 22.
Can you afford raising kids?
Multi-child costs, milestones, and year-by-year cashflow.
1. Family
Composition and timing
2. Finances
Your wealth plan today
3. Monthly costs
Per child, today's rupees
School Fees & Tuition
School fees in Indian tier-1 cities often rise at double the rate of standard inflation.
Food & Groceries
Includes milk, diapers, and specialized nutrition which cost more in the first 3 years.
Nanny / Daycare
Professional nannies in metros now cost ₹15k+ per month.
Coaching & Hobbies
Includes swimming, tennis, and specialized academic tuitions.
Higher Ed Saving
College costs in India and abroad are increasing at a staggering 12% p.a.
Clothing & Misc
Includes birthday parties, toys, and rapidly changing clothing sizes.
Healthcare & Insurance
Medical inflation is currently the highest in India at ~14%.
Vacations & Lifestyle
Includes travel seat costs and kid-friendly experiences.
4. Milestones
One-time lump sums
FAQ